Terms and conditions apply and are available on application. Fees and charges apply.

1. Standard variable interest rate is 19.49% p.a. on purchases and 20.74% p.a. on cash advances as at Friday, 30 July 2010 and is subject to change.

2. Earn rates shown above are available to new applicants only. Points and Bonus Points accrue in accordance with the ANZ Frequent Flyer Reward Terms and Conditions (please call 13 13 14 for a copy). Purchases exclude cash and cash equivalent transactions. An Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. A joining fee applies. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. This Points information displayed on this page applies to new customers only. Existing customers may be subject to a different Points earn rate on both their ANZ Frequent Flyer American Express card and/or ANZ Frequent Flyer Visa card. Existing customers should call 13 22 73 for information regarding the Points earn rate that applies to their account.

3. The 10,000 bonus Qantas Frequent Flyer points offer applies only once per new ANZ Frequent Flyer account. You must apply and be approved by 31 July 2010 to receive the 10,000 bonus Qantas Frequent Flyer points offer. This offer is not available in conjunction with any other offers or promotions or when you transfer and close other ANZ credit card accounts. The bonus Qantas Frequent Flyer points will be credited to the cardholder's account within three months of card activation. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving application.

American Express is a registered trademark of American Express. The ANZ Frequent Flyer American Express card is issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a license from American Express.